PCO Car Finance (London)

PCO driving in London?
Two sets of rules apply to the car you finance.

TfL's licensing requirements decide whether you can work in the car at all; ULEZ, covering every London borough, decides whether it costs £12.50 a day extra to drive it. We introduce you to lenders and make sure both are part of the decision.

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No obligation · Takes 2 minutes · All credit considered

ICO Registered — ZC067741
All credit considered
Response within 2 hours
UK based team

Simple Process

How it works

01

Submit your enquiry

Fill in the short form below. Takes under 2 minutes and there's no credit check at this stage.

02

We make the introduction

We pass your details to lenders who consider situations like yours — including some that do not deal with the public directly.

03

They come back to you

Any offers come to you from the provider direct. You decide whether to take one, and you can walk away — there is no obligation.

04

On the road

You complete the paperwork with the provider direct. Most people are driving within days of approval.

Why choose us

The two checks that matter before you finance a PCO car

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A broad panel

We work with a broad panel of lenders rather than a single provider, so your details reach the ones most likely to consider you.

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Compliance and cost, checked together

A car that meets TfL's rules but not ULEZ compliance still works — it just costs you £12.50 extra every working day. We make sure you know that before you finance it, not after your first week driving.

Fast decisions

Most enquiries get a response within 2 hours. No waiting days to find out if you qualify.

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No hard credit check

Your initial enquiry uses a soft search only. Your credit score won't be affected until you say yes.

Get your free quote

No obligation. No hard credit check. Response within 2 hours.

🔒 Your data is protected under ICO registration ZC067741. We never sell your details.

✅ Enquiry received!

Thanks — one of our advisors will be in touch within 2 hours.
In the meantime, feel free to WhatsApp us if you have any questions.

Common Questions

PCO car finance in London, answered

Yes — they're two different things. TfL's age and emissions rules decide whether you can license the vehicle for private hire at all; ULEZ compliance is separate and decides whether you pay a daily charge to drive it in London. Check both current requirements before financing a specific model.
Not necessarily — the two rule sets don't automatically align, so confirm a specific vehicle against both sets of current requirements rather than assuming one covers the other.
Lenders look at projected platform earnings, your driving history and any other income. A few months of platform statements once you're live makes later refinancing considerably easier.
Often, yes — platform income is a real point in your favour with specialist lenders. See our PCO car finance with bad credit page for the detail.
No. We run a soft search first, which is invisible to other lenders, with a hard search only once you've chosen a specific lender to proceed with.